Exhibit 99.33
MBNA MASTER CREDIT CARD TRUST II
SERIES 1999-B
KEY PERFORMANCE FACTORS
December 31, 2000
Expected B Maturity 3/16/2009
Blended Coupon 5.9788%
Excess Protection Level
3 Month Average 4.51%
December, 2000 0.50%
November, 2000 6.59%
October, 2000 6.42%
Cash Yield19.79%
Investor Charge Offs10.15%
Base Rate 9.15%
Over 30 Day Delinquency 4.72%
Seller's Interest10.47%
Total Payment Rate13.35%
Total Principal Balance$57,190,978,436.47
Investor Participation Amount$750,000,000.00
Seller Participation Amount$5,990,287,874.98
